CareCredit Credit Card is designed for health and wellness needs for you, your family, and your pets. These include many different types of medical and health care providers and procedures, such as:
- Chiropractic
- Cosmetic
- Dentistry
- Hearing
- LASIK and Vision
- Primary and Urgent Care
- Weight Loss
- Health Care Specialists
The CareCredit Credit Card is used to pay for out-of-pocket expenses not covered by medical insurance, and special financing options are available that you may not be able to get with other cards.
Not only that, cardholders are able to use and pay for health and wellness care at more than 200,000 health and wellness providers in the United States or at any location that accepts CareCredit.
CareCredit® Credit Card Summary
| Bonus Available | No sign-up bonus available for this card |
| Balance Transfers Intro APR | Balance transfers not allowed |
| Purchases Intro APR | 0% – 17.9% for 6 – 60 months |
| Regular APR | 26.99% |
| Cash Advance APR | N/A |
| Foreign Transaction Fee | N/A |
| Annual Fee | None |
Recommended Free Credit (Get Score)
Fair (640-699)
PROS
- Promotional financing available
- Accepted at over 225k locations
CONS
- No annual fee
- No rewards offered with this card
Card Highlights
- Promotional financing available for 6 or 12 months on health, wellness and pet care purchases of $200+
- Use your card for dental and vision care, cosmetic treatments, insurance deductibles, veterinary care and more at over 240K locations.
- Join the over 11 million people who have CareCredit to pay for their health, wellness and beauty needs.
- Feel prepared knowing you have a way to pay for you and your family’s healthcare
- Manage your account, view your eStatements, and use your digital card with the CareCredit Mobile App
- Apply online and get an instant credit decision
CareCredit Promotional Financing
CareCredit has shorter term financing options of 6, 12, 18 or 24 months with no interest is charged on purchases of $200 or more when you make the minimum monthly payments and pay the full amount due by the end of the promotional period. However if you don’t pay, the interest is charged from the original purchase date.
Furthermore, CareCredit also extends longer term healthcare financing for 24, 36, 48 or 60-month periods with Reduced APR and Fixed Monthly Payments Required Until Paid in Full.
Any purchases of $1,000 or more may be eligible for a 24 months offer with a 14.90% APR, a 36 months offer with a 15.90% APR or a 48 months offer with a 16.90% APR. While purchases of $2,500 or more may be eligible for a 60 months offer with a 17.90% APR.
Make sure you ask your provider to see which promotion is right for you! You don’t have to select a promotion before you apply.
* Subject to credit approval. Please read the card’s details and terms.
How to Apply for CareCredit Card
You can apply two of the following ways: the link we provided below or by phone number.
Apply by phone calling the number 1-800-677-0718, please note that you must be 21 and over to be eligible.
You can find out immediately if you have been approved for the card by using their automated system anytime or if you prefer to talk to a live agent, you can do so from Monday through Friday from 9 a.m. to 9p.m. EST.
In order to complete your application, make sure to have the following:
- Doctor’s name, or how you plan to use your CareCredit card
- Name
- Address
- Date of birth
- Social security number or ITIN
- Net income
- Housing Information
 |
 |
Bottom Line
CareCredit credit card is best for people who are looking for a medical credit card that offers benefits to both health care providers and patients. For more credit cards options, see our latest list of other best credit card bonuses!
(Visit the link above to sign up at CareCredit.com)
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.